Home Insurance in Persia, Iowa
With a median home value of $121,900, Persia is 31% lower than the Harrison County median.
The typical home in Persia was built around 1945. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 75% of homes were built before 1960, about 22 points above Harrison County's 53%.
In Persia, the housing stock is 91% single-family homes.
In Persia, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Persia are owner-occupied.
74% of homes in Persia are primarily heated with natural gas.
FEMA rates Harrison County's overall risk as Very Low, led by hail (Relatively Moderate). Harrison County had 211 active NFIP flood policies as of September 2026. See the full Harrison County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Iowa carries a statewide average premium of $1,342 per year.
Key figures
| Median home value | $121,900 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively Moderate) |
| Active NFIP policies in Harrison County | 211 |
| Home insurance premium | $1,342 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)